We also have a great range of business credit cards to suit your business needs.

Important information

* Purchase Rate Special Offer

Offer commences 13 November 2017. 9 MONTH OFFER For approved applicants who apply for a new personal NAB Low Rate Platinum credit card before the offer is withdrawn. The special purchase interest rate will apply for a 9 month statement period from account opening. After 9 months period, any unpaid purchases will then attract the card’s standard purchase rate (currently 13.99% p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer. 6 MONTH OFFER For approved applicants who apply for a new personal NAB Low Rate credit card before the offer is withdrawn. The special purchase interest rate will apply for a 6 month statement period from account opening. After 6 months period, any unpaid purchases will then attract the card’s standard purchase rate (currently 13.99% p.a. as at 13 November 2017). Interest rates are subject to change and available at www.nab.com.au. Minimum monthly repayments must be made by the due date each month. Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other offer.

** Balance Transfer Special Offer

Offer commenced 13 March 2018. 24 MONTH OFFER - For approved applicants who apply for a new personal NAB Low Fee Platinum Card before the offer is withdrawn. The balance transfer interest rate will apply for a 24 month statement period from account opening. After the 24 months period, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 March 2018). Interest rates are subject to change and available at www.nab.com.au. 18 MONTH OFFER - For approved applicants who apply for a new personal NAB Low Fee Card before the offer is withdrawn. Nab may vary or end this offer at any time. The balance transfer interest rate will apply for an 18 month statement period from account opening. After the 18 months period, any unpaid balance transfers will attract the standard cash advance rate (currently 21.74%p.a. as at 13 March 2018). Interest rates are subject to change and available at www.nab.com.au. Special promotion balance transfer must be applied for at the point of full card application. The one off balance transfer fee of 2% is calculated on the amount transferred and is charged to your NAB credit card account when your balance transfer is processed. Interest free days on purchases do not apply while you have a balance transfer. Minimum monthly repayments must be made by the due date each month. Offer is not available when losing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer.

^ NAB Rewards Bonus Points Special Offer

Offer commenced 12 November 2018. To be eligible for the 90,000 bonus points offer, you must apply for a new personal NAB Rewards Signature Card by, before the offer is withdrawn, be approved, and spend $2,500 on everyday purchases within 60 days of opening your account on your NAB Rewards Signature Card. NAB may vary or end this offer at any time.

Offer commenced 12 November 2018. To be eligible for the 60,000 bonus points offer, you must apply for a new personal NAB Rewards Platinum Card before the offer is withdrawn, be approved, and spend $1,000 on everyday purchases within 60 days of opening your account on your NAB Rewards Platinum Card. NAB may vary or end this offer at any time.

Offer commenced 12 November 2018. To be eligible for the 30,000 bonus points offer, you must apply for a new personal NAB Rewards Classic Card, before the offer is withdrawn, be approved, and spend $500 on everyday purchases within 60 days of opening your account on your NAB Rewards Classic Card. NAB may vary or end this offer at any time.

Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purposes. Points will be credited to your points balance within 3 months of meeting the spend criteria. These bonus points offer are not available to existing customers who have received or are entitled to receive NAB Rewards Bonus Points for a new personal NAB Rewards credit card or NAB Home loan in the twelve months prior to the opening of a NAB Rewards Signature Card, NAB Rewards Platinum Card or NAB Rewards Classic Card account. Offers are not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB credit card offer. Gift Card values correct as at 12 November 2o18. Points values & stock levels subject to change. Check rewards.nab.com.au

^^ NAB Qantas Rewards Bonus Points Special Offer

Offer commenced 18th June 2018. To be eligible for the 90,000 bonus points offer, you must apply for a new NAB Qantas Rewards Signature Card, before the offer is withdrawn, be approved, and spend $4,000 on everyday purchases within 60 days of opening your account. A reduced annual card fee of $295 will be charged at time of card opening, and applies for the first 12 months. You will be charged the standard $395 annual card fee in the 13th month of your card account. NAB may vary or end this offer at any time. To be eligible for the 30,000 bonus points offer, you must apply for a new NAB Qantas Rewards Premium Card, before the offer is withdrawn, be approved, and spend $2,500 on everyday purchases within 60 days of opening your account. NAB may vary or end this offer at any time. Everyday purchases exclude transactions NAB decides are wholly or partly for gambling or gaming purchases. This bonus points offer is not available to existing customers who have received or are entitled to receive NAB Qantas Rewards Bonus Points for a new personal NAB Qantas Rewards credit card in the twelve months prior to the opening of a NAB Qantas Rewards Signature Card, NAB Qantas Rewards Premium Card or NAB Qantas Rewards Card . Offer is not available when closing/transferring from another NAB credit card account or in conjunction with any other NAB offer. Points will be credited to your points balance within 3 months of meeting the spend criteria.

# Additional cardholder

Additional cardholder must be 16 years of age or older. All transactions using the additional card will be the responsibility of the primary cardholder.

## Join and redeem Qantas Points

Usual cost is approx. $89 dollars.

To earn and redeem Qantas Points using your NAB Qantas Rewards Card, you must be a member of the Qantas Frequent Flyer program and have provided your valid membership number to NAB. Points are offered in accordance with the NAB Qantas Credit Card Account Reward Terms and Conditions. If you are not already a Qantas Frequent Flyer member, NAB has arranged for the joining fee to be waived if you apply and receive a NAB Qantas Rewards Card and join through qantas.com.au/joinffnab. Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program terms and conditions, available at qantas.com.au/terms. Find out more about these rewards from Qantas at qantaspoints.com/use-points.

You will earn 1 Bonus Point for every dollar charged to your Card Account for the purchase in Australia of the following services directly from Qantas (i.e. where Qantas, and not its agent, is identified as the merchant on the credit card transaction):

Terms and conditions available here. Fees and charges are payable. Approval and credit limit is subject to NAB's credit assessment criteria. Information, including interest rates and annual card fees, subject to change. Correct as at 13 November 2017.